Software directory

What insurance software actually costs

Vendors publish feature lists. Almost none publish prices. That is the gap this directory exists to close.

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What we cover

AMS and rating

CRM and marketing

E-signature and documents

Real pricing ranges

Typical annual cost by category

Ranges are for a 20 to 50 person agency.

CategoryTypical annual costWhat drives the price
AMS$18,000 to $120,000User count and whether you take the accounting module
Rating$6,000 to $40,000Number of carriers and lines of business
CRM$3,000 to $25,000Seats and marketing automation depth
E-signature$1,200 to $12,000Envelope volume
Document management$4,000 to $30,000Storage volume and integration requirements
Claims$10,000 to $60,000Claim volume and whether you need adjusting workflow

What the pricing pages do not tell you

The licence fee is rarely the whole cost.

Implementation is the line item most often left out of a comparison. A platform with a lower licence fee and a six-month implementation can cost more in year one than a higher-priced system that goes live in a month.

Data migration is the second. Moving ten years of policy history out of a legacy AMS is a project with its own cost, and some vendors quote it separately once you are already committed.

The third is the cost of the workflow change itself. Any system that alters how producers work has a productivity dip attached, and it is worth planning for rather than being surprised by.

Ask every vendor for a total three-year cost including implementation, migration and support, not a licence fee.

Software selection questions

Should we migrate off a working AMS?

Only if the workflow pain is real and ongoing. A migration is expensive and disruptive, and a system that works is worth a lot.

How long does an AMS migration take?

Realistically three to nine months for a mid-size agency, including data migration and parallel running.

What should we ask vendors for?

A three-year total cost, a reference customer of similar size, and a written implementation timeline with milestones.

Questions to ask every vendor

Find the right software

Tell us your size and what you run today and we will point you at the options worth looking at.